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“Banking On The Go?” Try Our Virtual Branch.
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Now you can enjoy the conveniences of banking at a traditional branch by using our Virtual Branch services for all of your personal banking needs anytime and anywhere! We offer these e-services to ensure that you can engage in banking in a way that meets your needs.

Online Banking

With our extremely convenient Virtual Branch many of your banking tasks – whether checking your accounts or even transferring funds – can now be done on your schedule from the comfort of your home.

Mobile Banking

Mobile banking is a part of our Virtual Branch that lets you access all of your accounts and pay bills anytime, anywhere, with your mobile phone/device. Better yet, it’s free! You can check balances and history as well as set up alerts through text messaging. Sign up for our WSB Mobile app as well to access all of your account information directly from your smart phone or tablet.

Getting Started:

Go to your Online Banking account on a personal computer, not a cell phone. If you don’t have an online banking account, call us today to get started!

Click on ‘Options’.

Click on ‘Enroll Now’ under the ‘Mobile Banking Profile’ option.

Set up your account.

It’s that simple. If you have any questions, please give us a call at 217-347-7173.

Mobile Deposit

With the WSB Mobile app, you can take a photo of your check and make a deposit anytime, anywhere! The deposit per check limit is $1,000.00 with a daily limit of $2,000.00. (Each check is one deposit).

Steps to using Go Mobile Deposit:

Before logging into the WSB Mobile app, close all other apps running in the background on your mobile phone.

Once logged into the app, select the deposit icon from the menu across the bottom.

Sign/endorse the back of your check then put “WSB Mobile Deposit” under the endorsement. (see sample below)

When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check.

Tips for taking pictures of the check.

Flatten folded or crumpled checks before taking your photos.

Keep the check within the view finder on the camera screen when capturing your photos. Try not to get too much of the areas surrounding the check.

Take the photos of your check in a well-lit area.

Place the check on solid dark background before taking the photo of it.

Hold the camera as square to the check as possible to reduce corner to corner skew.

Make sure that the entire check image is visible and in focus before submitting your deposit.

No shadows across the check

All four corners are visible

Check is not blurry

The MICR line (numbers on the bottom of your check) is readable

After the Mobile Deposit has been accepted and “Deposit Pending” shows up in Mobile Banking, the deposit will appear in your account after the nightly update.

Online Bill Pay

An easy and convenient way to pay both regular and one-time-only bills, without having to visit the post office or buying stamps!

Open Checking Account Online

Make banking with us easy. View and access your checking account(s) online.

Kasasa Cash® is a free checking account that pays you interest in cash every month with no minimum balance, no monthly fees, free online banking and up to $20.00 in nationwide ATM fee refunds per monthly qualification cycle when qualifications are met.

Forget about collecting thousands of points to redeem for things you don’t really need. Our FREE Kasasa Cash Back® checking account will reward you with 3% cash back on up to $250 in everyday debit card purchases when qualifications are met.

Open Savings Account Online

Kasasa SAVER® is a free, high interest savings account linked to a Kasasa checking account that earns interest and puts savings on autopilot. It’s perfect for consumers who want to automatically save more and save often.

Online Mortgage Application

Person-to-Person Payments

Send money to another person with a simple email or text with Virtual Branch account.

It takes four easy steps to send a Popmoney® payment:

To send a payment, consumers sign into their online account and enter the recipient’s email address or mobile number and the amount of the payment.

You’ve got money! The recipient receives an email or text with a personal greeting from the sender.

If the recipient’s financial institution is in the Popmoney® network they use their online banking application to accept the payment. If not, the recipient tells Popmoney.com where to deposit the money.

Money moves directly from sender’s to recipient’s bank account. Popmoney® uses the same network the world’s financial institutions use to move billions of dollars a day.

FAQs About Popmoney®

Use Popmoney® to pay anyone you know, or owe – It’s the easy way to send and receive money directly from your Washington Savings Bank account. Pay your babysitter or send money to a relative – anytime, anywhere.

Access the largest person-to-person payment network for financial institutions, with 1,400 participating banks and credit unions

How secure is Popmoney®?

From the moment information is sent to Popmoney® to the time it is stored and accessed again, it is encrypted using industry leading software and algorithms. Security is also utilized at specific points and actions in the product. For example, to help prevent an unauthorized person from fraudulently depositing someone else’s payment, one-time passcodes are used. For every initial payment to a new email address or mobile phone number, a one-time passcode is sent to the user. The user must provide that passcode back to Popmoney® to verify his/her “ownership” of that mobile phone number or email address before he/she can deposit the payment.

How fast can I send and receive money with Popmoney®?

With Popmoney®, a recipient can receive money in as little as one business day. However, in some cases it may take longer. For example, if you send an email or mobile phone number and the recipient is not yet registered for Popmoney®, he/she must sign up for the service so that we have their account information to deposit their payment. Also, if you exceed your next-day payment limits, then we will deliver payments within three business days. Limits can and will vary and can be checked by clicking the Help icon on the Send Money screen.

eStatements

Sign up for eStatements and help save the environment.

Receive notification that your bank statement is available to view. You can either click on the link in your email notification or log on to online banking and click on the account and then the documents tab.

Available for any checking account and Tiered Statement Savings Account.

Account-to-Account Funds Transfer

Transfer money easily from one account to another.

Credit Card Application

New Summer Program!

Washington Savings Bank is offering a new program called WSB Summertime CEO which will allow children ages 6-12 an opportunity to manage and run their own lemonade stand. The program will run from May 22 to July 31.

Just like a real business, participants will fill out an application and be interviewed at any of the Washington Savings Bank locations. Once approved, applicants will receive their lemonade stand kit, which includes cups, a pitcher, lemonade mix, sanitizing wipes, a WSB Summertime CEO button and $2.00 start-up cash. The kits are available while supplies last, with a limit of one kit per family.

Also included in the kits is an Income Statement that participants will fill out and return to the bank. Once completed and returned by August 19, the young CEOs will receive a certificate of completion and their picture placed on the WSB Summertime CEO Hall of Fame.

Allison Donsbach, a member of Washington Savings Bank’s marketing committee, got the idea for the program after seeing another, non-local bank, have success with a similar concept.

“With the entrepreneurial spirit that the Effingham area has, we feel confident that this program will be a success. We’ve witnessed such great results from the CEO program and hope that the WSB Summertime CEO program will just add another layer to what Effingham County has to offer,” said Donsbach

For more information, visit any of our 3 locations in Effingham and Mattoon or call 217-347-7173.

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